39 “Over the last five years, we have invested over S$5 billion in our technology and infrastructure, enabling us to develop products and platforms to meet our customers’ needs. From re-architecting our technology infrastructure to transforming our front end, we are becoming digital to the core. The bank’s customers, both individuals and corporates alike, are increasingly engaging and transacting more with us digitally. Some examples of our new services include digibank, India’s first branchless, paperless and signature-less bank; DBS iWealth, a platform that allows clients to conduct their banking transactions, manage their wealth and trade; and online account opening for SMEs. Coupled with a focus on agile methodology and journey thinking, we have been able to improve our speed to market and overall customer experience. This translates to more digitally-engaged customers, and higher returns per customer. Wehaverewired many parts of the bank, and changed the mindset of our employees. It CH is now easier for us to work with startups and we have partnered over 10 a year to deliver TE new products and services to our customers and staff. Through our talent management N I F hackathons, our employees are also given the opportunity to learn and work with F startups. We have also used hackathons to hire tech talent, interns and management O associates. TE TA S NealCross E TH Chief InnovationOfficer Global FinTech Trends: India 39